Credit One Bank N.A.
Las Vegas, NV·RSSD 639567·FDIC 25620·bank:639567·CBLR opted in
- #4 of 16Total assets in Nevada
- 1offices
- 1,216employees
- #3 of 3,712Net interest margin in the U.S.
- Top 1%Fee income vs. peers
- #10 of 3,713Return on assets in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Credit One Bank N.A.
9 of 23 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Deposit costs among the highest of similar banksWorth a look: Funding 2nd quarter4.19%peers 1.93%+227 bps
Credit One Bank N.A.'s cost of all deposits was 4.19%, compared with a median of 1.93% among 625 similar banks: the highest of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 4.19% | 1.93% | +227 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Credit One Bank N.A. itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the highest of similar banksStrength: Earnings 2nd quarter69.45%peers 0.57%+6888 bps
Credit One Bank N.A.'s noninterest income relative to average assets was 69.45%, compared with a median of 0.57% among 628 similar banks: the highest of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 69.45% | 0.57% | +6888 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Credit One Bank N.A. itself is left out of every peer median and percentile. How signals work
Leverage capital ratio falling while the peer median risesWorth a look: Capital 2nd quarter28.17%peers 10.54%+17.6 pp
Credit One Bank N.A.'s leverage ratio fell 6.0 percentage points over the past year to 28.17%. Among 629 similar banks, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 28.17% | 10.54% | +17.6 pp |
| 12-month change | ||
| -6.0 pp | +0.3 pp | -6.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Credit One Bank N.A. itself is left out of every peer median and percentile. How signals work
Net charge-offs falling while the peer median holds steadyStrength: Asset quality 2nd quarter11.84%peers 0.02%+1182 bps
Credit One Bank N.A.'s annualized net charge-off rate fell 119 bps over the past year to 11.84%. Among 623 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 11.84% | 0.02% | +1182 bps |
| 12-month change | ||
| -119 bps | 0 bps | -119 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Credit One Bank N.A. itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+41.1%peers +5.7%+35.4 pp
Credit One Bank N.A.'s loans grew 41.1% over the past year to $2.0 billion. The median among 624 similar banks was +5.7%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +41.1% | +5.7% | +35.4 pp |
| Loans | ||
| $2.0 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Credit One Bank N.A. itself is left out of every peer median and percentile. How signals work
4 more observations
- Return on assets falling while the peer median risesEarnings
- Deposits growing faster than peersFunding
- Net interest margin widening faster than peersEarnings
- Deposit costs falling faster than peersFunding
Key facts
- Credit One Bank N.A. is a bank headquartered in Las Vegas, Nevada. It reported $2.4 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $1.4 billion, up 47.3% from a year earlier, and loans totaled $2.0 billion, up 41.1%.
- Its net interest margin was 24.02% and its annualized return on assets was 22.90% for the quarter.
- Its cost of all deposits was 4.19%, compared with a median of 1.93% among 625 similar banks with $1 billion to $3 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Credit One Bank N.A.'s own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Credit One Bank N.A. · Bank
- Federal Reserve RSSD
- 639567
- FDIC certificate
- 25620
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Credit One Bank N.A. itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $131.35M | — | |
| $137.3M | — | |
| $13.89M | — | |
| $123.42M | — | |
| $398.29M | — | |
| $303.78M | — | |
| $86.52M | — | |
| $86.52M | — | |
| 22.90% | 22.84%ROAQ · Quarter | |
| 24.02% | 23.95%NIMYQ · Quarter | |
| 58.23% | 58.23%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.